3530 S Clark Fork AveNampaID83686
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 3530 S Clark Fork Ave, Nampa, ID, 83686 in Nampa: $2,635/mo in rent, $359/mo in net income, 8.09% gross yield, 1.50 DSCR, all at $391,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $108,026 in appreciation and $3,601/yr in principal paydown projects total cumulative return of $172,374.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 4.2% |
| Monthly Cash Flow | $359 | $850 |
City averages based on Nampa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,635 |
| Total Monthly Debt Service | $2,094 |
| DSCR Ratio | 1.26x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2018
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83686, Nampa, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,546 (100%) |
| Owner Occupied HU | 17,038 (75.6%) |
| Renter Occupied HU | 4,622 (20.5%) |
| Vacant Housing Units | 886 ( 3.9%) |
| Median Home Value | $455,498 |
| Average Home Value | $516,263 |
Housing Distribution
Address Breakdown
Residential
21,289
Single Family
20,783
Multi-Family
506
Businesses
421
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 2018
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83686, Nampa, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,546 (100%) |
| Owner Occupied HU | 17,038 (75.6%) |
| Renter Occupied HU | 4,622 (20.5%) |
| Vacant Housing Units | 886 ( 3.9%) |
| Median Home Value | $455,498 |
| Average Home Value | $516,263 |
Housing Distribution
Address Breakdown
Residential
21,289
Single Family
20,783
Multi-Family
506
Businesses
421
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices